50702 ZIP Code — Waterloo, IA
Black Hawk County, Iowa
ZIP code 50702 is located in Waterloo, Iowa, within Black Hawk County. It covers approximately 9.78 square miles and serves a population of 20,818 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 319.
About ZIP code 50702
The housing stock consists of a mix of housing types. Most homes were built in the 1950s, giving the area an established character. Median home value is $139,000. Owner-occupancy sits near the national average at 62%.
Median household income is $58,418. 32% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 19 minutes is near the national average.
Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.
20,818
population
9.78
sq mi land
Standard
ZIP type
Central (CT)
timezone
50702 ZIP code map
Cities in ZIP code 50702
Below are the cities the US Postal Service accepts for ZIP code 50702. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Waterloo | Acceptable |
| Waterloo | Preferred |
Nearby ZIP codes
50701 Waterloo (2.1 mi)
50707 Evansdale (2.7 mi)
50667 Raymond (4.8 mi)
50703 Waterloo (7.2 mi)
50614 Cedar Falls (8.2 mi)
50643 Hudson (9.6 mi)
50613 Cedar Falls (9.8 mi)
50626 Dunkerton (10.9 mi)
50651 La Porte City (11.5 mi)
50648 Jesup (11.7 mi)
50622 Denver (14.7 mi)
50647 Janesville (15.4 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 20,818 |
| Population density | 2,129 / sq mi |
| State FIPS | 19 |
| County FIPS | 013 |
| Geography | |
|---|---|
| Land area | 9.78 sq mi |
| Water area | 0.30 sq mi |
| Latitude | 42.4595 |
| Longitude | -92.3160 |
| Timezone | Central (CT) |
| Area code | 319 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 47.8% | 45.5% | 40.1% |
| $50k – $100k | 34.8% | 31.6% | 33.4% |
| $100k – $200k | 15.6% | 18.4% | 21.5% |
| Over $200k | 1.8% | 4.5% | 5.0% |
Demographics & statistics
20,818
Population
2,129
People per sq mi
36.1
Median age
$58,418
Median household income
$30,342
Per capita income
$139,000
Median home value
$871
Median monthly rent
61.5%
Home ownership
12.8%
Poverty rate
5.8%
Unemployment
6,133
Housing units
21.8%
Bachelor's or higher
Age distribution
Male
Female
817
Under 5
797
721
5–9
702
560
10–14
545
760
15–19
740
832
20–24
810
1,397
25–34
1,361
1,503
35–44
1,465
1,097
45–54
1,069
627
55–59
611
586
60–64
571
898
65–74
876
495
75–84
483
251
85+
244
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 5,031 | 24.2% |
| 18 and over | 15,787 | 75.8% |
| 65 and over | 3,247 | 15.6% |
| Median age | 36.1 years | |
Race & ethnicity
White
70%
Black or African American
11.7%
Asian
4.6%
Hispanic or Latino
4.5%
Two or more races
4%
Other race
2.7%
Native Hawaiian / Pacific Islander
1.5%
American Indian / Alaska Native
1%
| Group | Count | % |
|---|---|---|
| White | 15,255 | 70% |
| Black or African American | 2,554 | 11.7% |
| Asian | 1,008 | 4.6% |
| Hispanic or Latino | 986 | 4.5% |
| Two or more races | 876 | 4% |
| Other race | 582 | 2.7% |
| Native Hawaiian / Pacific Islander | 330 | 1.5% |
| American Indian / Alaska Native | 213 | 1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 47.8% | 45.5% | 40.1% |
| $50k – $100k | 34.8% | 31.6% | 33.4% |
| $100k – $200k | 15.6% | 18.4% | 21.5% |
| Over $200k | 1.8% | 4.5% | 5.0% |
Under $10k
5.1%
$10k–$15k
3.9%
$15k–$25k
8.2%
$25k–$35k
8.8%
$35k–$50k
15.7%
$50k–$75k
22.3%
$75k–$100k
14.2%
$100k–$150k
15.9%
$150k–$200k
3.4%
$200k+
2.5%
| Range | % of households |
|---|---|
| Under $10k | 5.1% |
| $10k–$15k | 3.9% |
| $15k–$25k | 8.2% |
| $25k–$35k | 8.8% |
| $35k–$50k | 15.7% |
| $50k–$75k | 22.3% |
| $75k–$100k | 14.2% |
| $100k–$150k | 15.9% |
| $150k–$200k | 3.4% |
| $200k+ | 2.5% |
| Median income | $58,418 |
Housing
Home values
Under $50k
1.6%
$50k–$100k
20.0%
$100k–$150k
37.6%
$150k–$200k
26.7%
$200k–$300k
11.6%
$300k–$500k
0.7%
$500k–$1M
0.6%
$1M+
1.1%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $139,000 |
| Median rent / month | $871 |
| Owner occupied | 61.5% |
| Renter occupied | 38.5% |
| Vacant | 7.2% |
| Single-family detached | 69.4% |
| Large apartment buildings | 6.5% |
| Mobile homes | 0.5% |
| Median rooms | 5.1 |
| Avg household size (owned) | 2.39 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 5.6% |
| 2000–2009 | 2.6% |
| 1990–1999 | 4.3% |
| 1980–1989 | 3.3% |
| 1970–1979 | 11.5% |
| 1960–1969 | 20.5% |
| 1950–1959 | 27.3% |
| 1940–1949 | 8.5% |
| 1939 or earlier | 16.3% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.7% |
| 1 bedroom | 13.5% |
| 2 bedrooms | 35.9% |
| 3 bedrooms | 38.2% |
| 4 bedrooms | 9.1% |
| 5+ bedrooms | 1.5% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 8.6% |
| 1 vehicle | 37.8% |
| 2 vehicles | 35.3% |
| 3 or more | 18.3% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 66.5% |
| Electricity | 32.4% |
| Propane / LP gas | 0.9% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 3,719 | 42.0% |
| Cohabiting couple | 838 | 9.5% |
| Male householder, no spouse | 1,848 | 20.9% |
| Female householder, no spouse | 2,452 | 27.7% |
| Households with children under 18 | 2,637 | 29.8% |
| Households with seniors (65+) | 2,348 | 26.5% |
| Average household size | 2.32 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 41.7% | 32.4% |
| Married | 46.6% | 45.2% |
| Separated | 1.6% | 1.3% |
| Widowed | 1.0% | 9.1% |
| Divorced | 9.1% | 12.0% |
Education
Less than 9th grade
5.5%
Some HS, no diploma
5.6%
HS graduate
35.8%
Some college, no degree
21.4%
Associate's degree
9.9%
Bachelor's degree
16.8%
Graduate / professional
5.0%
| Metric | % |
|---|---|
| HS diploma or higher | 88.9% |
| Bachelor's or higher | 21.8% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 332 | 6.8% |
| Kindergarten | 351 | 7.2% |
| Elementary school | 1,966 | 40.4% |
| High school | 1,015 | 20.8% |
| College / grad school | 1,207 | 24.8% |
Employment
Industry of employment
Education & healthcare
21.4%
Manufacturing
21.3%
Retail trade
12.9%
Arts, food & hospitality
9.2%
Professional & management
8.4%
Finance & real estate
6.6%
Transportation & utilities
5.4%
Construction
4.6%
Other services
3.1%
Wholesale trade
2.8%
Public administration
1.9%
Information
1.6%
Agriculture & mining
0.9%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 31.4% |
| Service | 17.7% |
| Sales & office | 19.6% |
| Natural resources & construction | 6.8% |
| Production & transportation | 24.5% |
Employment type
| Type | % |
|---|---|
| Private sector | 86.5% |
| Government | 8.6% |
| Self-employed | 4.6% |
| Unpaid family workers | 0.3% |
Commute
| Method | % |
|---|---|
| Drive alone | 78.6% |
| Carpool | 12.9% |
| Public transit | 0.4% |
| Walk | 1.9% |
| Work from home | 6.2% |
| Other means | 0.1% |
| Avg commute (minutes) | 19.0 |
Poverty
All people
12.8%
Under 18 years
17.6%
18 and over
11.3%
Married-couple families
5.4%
Female-led households
17.2%
Income support
| Source | % of households |
|---|---|
| Social Security | 31.9% |
| Retirement income | 22.7% |
| Supplemental Security | 7.7% |
| Cash public assistance | 4.7% |
| Food stamps / SNAP | 16.3% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 38.4% |
| High blood pressure | 32.8% |
| High cholesterol | 30.8% |
| Diabetes | 9.7% |
| Heart disease | 6.5% |
| Stroke | 3.1% |
| Asthma | 9.6% |
| Arthritis | 23.9% |
| Kidney disease | 2.9% |
| Pulmonary disease | 6.8% |
| Cancer | 6.7% |
| Behavior / access | % |
|---|---|
| Smoking | 18.2% |
| Binge drinking | 22.8% |
| No physical activity | 25.4% |
| Less than 7 hrs sleep | 32.9% |
| Depression | 18.6% |
| Fair or poor health | 13.7% |
| Poor mental health | 14.5% |
| Poor physical health | 9.9% |
| No health insurance | 11.1% |
| Visited doctor (checkup) | 76.3% |
| Visited dentist | 66.6% |
| Cholesterol screening | 86.2% |
| Teeth loss | 13.5% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 797 | 5.1% |
| Disability | % |
|---|---|
| Any disability | 15.1% |
| Under 18 | 7.9% |
| 18–64 years | 13.8% |
| 65 and over | 32.2% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 62.6% |
| Public insurance | 46.7% |
| No insurance | 5.5% |
| Uninsured under 19 | 1.0% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 19,204 | 92.2% |
| Spanish | 2,286 | 11.9% |
| Other Indo-European | 514 | 2.7% |
| Asian & Pacific Islander | 1,107 | 5.8% |
| Other languages | 651 | 3.4% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 17,624 | 84.7% |
| Born in same state | 17,313 | 83.2% |
| Born in different state | 13,580 | 65.2% |
| Foreign born | 311 | 1.5% |
| Naturalized citizen | 3,194 | 15.3% |
| Not a US citizen | 1,194 | 37.4% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 2,195 | 10.5% |
| French | 1,325 | 6.4% |
| Arab | 994 | 4.8% |
| Polish | 551 | 2.6% |
| Ancestry | Count | % |
|---|---|---|
| English | 288 | 1.4% |
| Dutch | 166 | 0.8% |
| German | 36 | 0.2% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 42.5% |
| Internet access | 93.0% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 50702
What city is ZIP code 50702 in?
ZIP code 50702 is primarily assigned to Waterloo, Iowa.
What county is ZIP code 50702 in?
ZIP code 50702 falls within Black Hawk County, Iowa.
What is the typical home value in ZIP code 50702?
The median home value in ZIP code 50702 is $139,000.
What is the population of ZIP code 50702?
ZIP code 50702 has an estimated population of 20,818 residents, with a density of 2,130 people per square mile.
What is the median household income in ZIP code 50702?
The median household income in ZIP code 50702 is $58,418, below the national median of ~$75,000.
What timezone is ZIP code 50702 in?
ZIP code 50702 observes the CST timezone.